Effective personal budgeting starts with knowing how much cash is left to spend and evaluating your current spending trends. Required to complete a Cash Budget Worksheet for one month.

Income Salary Other Total Income Expenses Fixed Expenses Mortgage or Rent Property Taxes Loan Payment Insurance Other Total Fixed Expenses Emergency Fund/Savings Emergency Fund Savings for Savings for Total Savings Variable Expenses Food Utilities Clothing Transportation Costs Personal Care Medical and Health Care Entertainment Education Gifts/Donation Miscellaneous Other Other Total Variable Expenses Total Expenses Personal Budget Budgeted Amounts Dollar Percent 100% 100% Actual Amounts Variable